In a down economy, there is one thing you can bet will be up: scams. It is more important than ever to be aware and double check every offer that comes your way. The most dangerous rip-offs are designed to look like legitimate deals, when really all you will get is cheated out of your hard-earned money. Here's a look at how to tell if you're getting scammed and what you can do to protect yourself.

Dear Ken and Daria,

I was offered a loan with a $300 fee. But the paperwork only required a signature and I was approved. Is this a scam?

-Mary Anne

Worried you could become a victim of a scam? Ken and Daria share common "can't miss" money deals to avoid at all costs, exclusively at Dolans.com.